My daughter also had an episode that she had to be transferred to a hospital that was not approved under her insurance. I argued with the insurance company that they wouldn't take us to her specified hospital because it was in another county. Well, we got stuck will some of the bills. This bill is for her CT scan. Total $179.00. I will add this bill to my debt column also. My, how quickly they add up.

So I just got my first bill from my near death experience almost two weeks ago. It is from the Ambulance service that transported me to the hospital. There is a base rate of $525.00 and then mileage. Thirteen miles to the hospital at $8.00 a mile (that is literally high way robbery) coming to $104.00, with a grand total of $629.00 for the bill. I will have to add it to my debt column, cause I cannot pay it in full after paying off a credit card.

I paid off the Chase Visa Credit Card. It is quite a scarry moment for me. I had to transfer $1000.00 from my Freedom Account, but I did it. The total of that credit card was $1,860.68.

Now on to the next credit card. Look out Dave, here I come.

I started 2008 with 22,696.29 in debt. When I look at my debt total today, it is $22,213.87 . Not much difference. The problem was, I didn't have an emergency fund set up at the time and had to charge my son's dental visits and I got another Visa and charged it up.

Well, I have remedied that problem and I am getting rid of my debt, no matter what.

The good news, a year ago, I was $23,853.40 in debt, so I am making some headway, but not much. I am paying off a big debt, either cc1, cc2 or cc3 the beginning of June. Then onto the next one.

Believe it or not, I used to have no debt about 3 years ago, besides my mortgage, and I loved it, but life got in the way and, well you know the rest - I'm in Debt.

Looking forward to being "Debt Free" again.

I just realized that I have enough money in my checking and my wallet to pay off cc3: Gardner White without touching my EF or Freedom Account.

My only problem with this - cc3 is sitting at a 0% while cc1 is setting at a 19.99%. Should I drain my Freedom Account to add to what is in my checking and wallet to pay off cc1 or pay off cc3 and then put the extra each month to cc1 for the snowball effect.

Dave says to pay off the smallest amount first, but I think I should be paying off cc1, then snowballing to cc2 until paid, then cc3 and so on.

Anyone else have an opinion. Trying to stay Gazelle Intense to being Debt Free.

I do also need to live on some money and pay for DS's dentist appointment the beginning of June and pay for my drywall to be mudded and taped, but I start my Beach job next weekend and will have another check by then. Hmmm. I might be able to manage it if I pay off cc1 and snowball to the next cc. I will know more the beginning of June, so stayed tuned as to what I decided. I am getting really excited about paying off another cc, no matter which one it is.

Wow, where did April go. I swear that was the fastest month ever.

*Groceries: $530.95 (my grocery total is still higher than normal. It must be that I am either not cutting enough coupons, or prices have just gone up that much)

*Eating Out: $52.07 (much lower this month that normal. Odd, normally when I eat out, I am paying for 3 to 5 people, so this is really good)

*Gas: $282.41 (Gas is more expensive due to the prices. I fill up my gas tank about once a week to every 8 or 9 days. That hasn't changed, but it is still about $60 to $80 more than a year ago)

*Still working on paying off debts.

*Still adding money to my EF and Freedom Account.

*Worked outside on the landscaping after taking down two trees last year. I needed to replant and replace the stones in the walkway and distribute the top soil around, rake leaves and weed other gardens. Done that and all Free.

Now, on to May. I start my summer job Memorial weekend at the Beach. I am also now the head person there, so I got a raise of $50 more a week in my check. Sweet. I am really going to try to use that for a few different things.
--Paying down debt
--Christmas money
--Vacation money
I just need to figure out how to allocate it into those categories.

March was quite the expensive month. I thought January and February were challenging, but March gave me a run for my money, literally.

Anyhow, here it goes. It seems the month went by much quicker than January and February and here it is April.

*Groceries: $563.60 ($100 more than I usually spend. Why, I don't know)
*Eating Out: $220.79 ($100 more than I usually spend. Why, Again, I don't know)
*Gas: $261.95 ($80.00 more than I usually spend. Why, who knows)

*Paid off two debts.
*Signed my youngest boy up for Baseball and had to buy all new stuff - $200.00.
*Got a lot more done on my cottage - like ripping out walls and some drywalling.
*Had to buy a new CPU unit and also broke down and bought a digital camera.

Now, on to April. It is only April 3rd and I am already broke after paying all the bills and funding my savings and ING accounts. Another challenging month ahead, but it is a little warmer. Good things come with sunshine.

So I paid off the attorney bill and the Lowes CC.

But, I had to add to my Chase Visa CC for a new CPU unit. Mine died again for the third time in two months. And, of course, there was a sale on a CPU unit this week, before I get my income tax return next week. Go figure.

Working on snowballing the previous paid off credit cards, debts and loans to the next in line.

I am three months in to my "Two years until debt free plan" and so far I have

Paid off/for:
Two of my kids schooling
Triad International
POH Doctor bill
Property Taxes (the rest of the summer and all of the winter)
Got income taxes done
Attorney bill
Lowes Credit Card
Baseball registration
Purchased 1/4 cow/beef
Paid our State taxes

All regular bills and other debts have been paid and I have added money back to my EF and Freedom Acct. Talk about Gazelle Intensity. Yee Haw.

So here are my January totals

*1/4 Organic Beef $228.00
Processing fee for Beef $56.52
*Gas Usage $235.02
*Groceries and all household items (other than 1/4 cow) $397.11
*Eating Out $106.71

All bills were paid and paid off Triad Vacation and POH Doctor bill.


February Totals

Gas Usage $188.56
Groceries and all household items $453.89
Eating Out $117.56

All bills were paid and paid off Comcast and paid for Baseball registration, getting taxes done and Property taxes ($871.39)

Now I am working on March

Well, I don't get to blog as much. I have been pretty busy here at my home. Like I have stated before, I have been restoring a 1930's cottage in a great area of Michigan.

I have completely re-painted my kitchen, which was no easy task, due to my large free-standing antique kitchen cupboards and China Cabinet, but all was moved out of the way, so that I could paint every wall. The color is kind of like melted vanilla and butter pecan ice cream mixed together. It is a great color, but makes me hungry for ice cream. I hope I don't gain weight just standing in that kitchen.

Now, I am on to my living room and foyer. I recently built a brand new large foyer that opens up into my living room. We did get that insulated and wired this past weekend and I am working on re-painting the livingroom while the drywall is being hung in the foyer. We haven't opened the wall between the foyer and the livingroom yet, so I am not getting any construction dust.

Also, I had to drain my accounts to pay my mortgage. I used my mortgage money at the beginning of the month to pay up all of my property taxes to the tune of $875.00. I am on the "Gazelle Intensity" that Dave Ramsey talks about. Yeah, I have skipped a couple of Dave's steps, but it is working for me to do it my way. But, hey all of my bills are paid, I am working on my house. My kids school is paid and it only gets cheaper from here on out, with spring coming and my bills getting cheaper with each warming month and my debt is getting paid off.

I am filing my income taxes next Wednesday. My husband will get his portion and my portion will be used to put new tires on my car and pay down my debt.

Then, when the government check gets here, $300 will go to my husband and the rest is mine to pay down debt. I can't wait to see where my debt is at in June. I am thinking I will have made a big dent in it by then. It is pretty exciting.

Well, enough from me, I need to get moving on painting the livingroom ceiling, which is now cathedraled and I am not one for heights. Yikes.

I am going on Friday to pay all of my taxes. The rest of the Summer taxes and the Winter taxes, which are actually due on the 14th of February. So a total of around $870 will pay off that debt on Friday. That gives me 7 months to save for the Summer 2008 taxes.

Then I am paying off the attorney and Lowes the beginning of March.

On my way to being debt free.

That is my goal. I have close to $23,000 in debt that I want paid off by December 2009. I am giving myself 24 months in which to do this. I need to put around $960 towards debt each month for the next 24 months. I started this in January 2008, so I will give all an update come January 2010.

Because that just doesn't seem to be feasible, I am putting my tax return, $20 Challenge money and my summer job money towards this goal.

I have been transferring some cc debts to a 0% interest cc to help with paying down my debt.

I am also saving money every month in my Freedom Account (which helps pay some of the above i.e., property taxes, kids schooling, etc.) and in my ING account (retirement account) while paying off my debt.

Hopefully, my Jeep will hold out till it is paid off so I can save in a vehicle fund for a newer one. I have a 2001 Jeep Grand Cherokee with 90,000 miles on it, so I should be good to go. It does need an oil change or two and will need new tires in the next 6 months.

I can actually see the end of the tunnel. Two years is not that far away.

Is it a good idea? I figured that if I transfer a credit card balance, drawing high interest, to another credit card where the interest is deferred until February 2008, that I can save so much more by not paying interest and put it towards paying off the new credit card.

Then, closing the old credit card, so I am not having so much credit available. I know that my credit score will be lowered a little by closing a credit card, but should rebound fairly quickly, because I am never late on any of my credit cards, loans or mortgage.

Anyone have any comments or concerns, please advise.

In keeping with my no bad financial decisions in 2008, I am asking for advice.

I have some really nice fine jewelry. A couple diamond rings, gold necklaces and such.

I was wanting to sell/pawn them in order to use the money towards my goals (pay off debt)

I found something like this online

http://www.thingswebuy.com/?adsource=google&ad=pawnshop02&gclid=CKzLqIfW3JACFQGzGgodBhvtWQ

and was wondering if anyone has ever done something like this. They are with the BBB.

Any suggestions as to go about how to unload items that I will never use and are worth some bucks, is appreciated.

So I totalled up all of my categories.

My electric and natural gas usage/bills went down from a year ago. That is good news considering that prices have went up.

Groceries for the 2007 year totalled $5,316.41. I am working on bringing that down. I don't think that is bad considering it is for two adults, two always-eating teenagers and two cats. That does include all household items, including water softener salt, laundry supplies, etc.

Eating Out totalled $1,864.94 for the year.

My gas usage in my 2001 Jeep Grand Cherokee was $2,301.52 for 2007

I spent $1,408.00 on Christmas 2007

I got a raise of $66.00 per month, which I have added to my ING direct deposit, starting January 2008.

Homeschooling costs were around $1200 for the school year. We do a lot of museums and field trips which causes our eating out bill to be higher. My kids also take private classes in Algebra, Science, Literature and Music, plus buying books, equipment and musical instrument maintenance added to the cost. I also put one son (now 22) through 3 years of college.

Big purchases for 2007 were new livingroom furniture, a small chest freezer ($75.00) and a 1/4 cow (which is to help in my grocery budget)

The 1/4 cow cost me $285 (including processing) and gave me 49 packages of beef (steaks (Porterhouse, T-bone, Sirloin, Chuck-eye, Rib and cubed), roasts, ground beef and stew meat). We only eat beef about 3 times a week, so this should last about 4 months. I am now looking into purchasing organic poultry to add to our meat stock.

Started my $20.00 challenge with a settlement check of $750.00 and looking forward to more rebates and ways to add to this challenge.

Goals:

*To save more in my ING account

*Rebuild my "Freedom Account" to add additional categories from $200/month to $400/month starting March 2008

*Not make any stupid financial mistakes in 2008

*Pay off 5 to 6 debts this year, so that I can be totally debt free (except mortgage) in two years. Starting debt for 2008 is $22,696.29.

*No new debt

*Finish foyer, outside siding on cottage and new deck.

Happy New Year 2008

I paid off the vacation Loan and the clinic visit. I am going to pay off the Lowes Credit Card on January 3rd, 2008 and work my way down the line.

I have been accepted at Pinecone, so any monies from there will go into my $20.00 challenge.

Also, my computer got a virus, so I am at the Library checking my e-mail and updating my blog. I did do most of my year-end totals and will post them to the blog as soon as my computer is home from the doctor.

It was a pretty good 2007. A lot of my expenses went down. Can't wait to share.

I believe I have sold my vacation package. I am going to be paying off Loan No. 1, along with paying my SIL for the rug and the Lowes cc. I am going to pay off the attorney, clinic visit and all of my property taxes by February.

I am on my way to being debt free while adding to my $20 challenge.

My totals for October are as follows:

Grocery's $437.81
Eating Out $161.65
Gas $$160.00

All regular bills and debts were paid.

My trees were taken down, cost $300.00

Worked on the Foyer - looking good.

Worked on some expenses.
*Switched Television, internet and land-line over from one service to another, saving myself around $660/year.

*Cancelled blockbuster.com and am now using the library, saving myself $127.08/year.

Car insurance went down saving myself $168.84/year.

Total savings of $955.92/year, just for a few calls and 5 hours of my time for the cable/satellite guy.

Charities given to:

*Kids Wish Network - This charity grants wishes to ill children stricken with cancer and certain other diseases.

*Sound Nation (this is a charity once a year that gives a scholarship to a kid who wants to go to college in the music industry). It started when a friend of my oldest son died and he put together a concert fundraiser for him, which in turn turned into giving out a yearly scholarship in music. My son has his own band and goes to college for music, so this is how he knew how to give back. I am so proud of him.

We also give to certain charities in November and December:
*Paws for a Cause
*Horses Haven
*Toys for Tots
*Hats/Gloves Christmas Tree at Church
*a Local Food Drive to keep our area pantry filled.

I am giving myself a 6 month goal. There are to-do's I need to accomplish that are costly, but worth it.

1. To get through Halloween. I have a lot of baking, cooking, decorating and hayride planning left to do for our community Halloween Party.

2. A Surprise Sweet Sixteen Birthday Party coming in early December for my daughter in our small cottage. Need to work on guest list.

3. My new foyer needs to be close to being finished and presentable before that time so that I can decorate for the B-day party and Christmas; and get my Livingroom put back together.

4. Another B-day party in late December.

5. Getting Christmas bought and paid for in cash.

6. I would like to have the first four debts repaid by May 1st, at the latest.

7. Have the rest of my summer taxes paid and the winter taxes due on February 14, paid in full.

8. There will also be one more debt added in November for my son's dental visit.

All-together, I need around $5,000 to $6,000 to get it all done.

Breakdown:
October: $60.00 for Halloween Party while still paying on debt; and foyer
November: $600.00 for Christmas and part of birthday party while still paying on debt, foyer and livingroom.
December: $600.00 for Christmas, late December birthday party while still paying on debt.
January: Re-evaluate debt, pay off 2007 summer taxes while still paying on other debt.
February: pay off 2008 winter taxes while still paying on other debt.
March and April: Pay off the rest of the remaining first four debts after re-evaluating how much I owe.
May 1st, snowball debt's paid off money onto the next debt, whichever that is after re-evaluating debts.
WISH: Not to incur any more new debt and start working on paying off the rest of my debt. Set new 6 month goals.

So I cancelled my blocbuster.com membership. They wanted me to upgrade (pay more money) so that I could keep my once a month e-coupon for a free in-store movie and I didn't want to upgrade. I don't feel I need to pay more. The plan I was on was working just fine for me. Apparently, it wasn't working for them. I told them that they will loose a customer over one free game every month. She didn't budge, so I did. Bye, Bye Blockbuster. That was $10.59/month, totalling $127.08 per year savings. We found a library that we are by every week that has just about every movie and game we could ever want to watch or play for free, even Guitar Hero (my son's favorite). And, you can keep them for a week and then renew.

I also check with Comcast about adding my land-line phone to their plan. I already have cable tv and dsl with them, but they didn't want to give me the $99.00/month plan, because I was already a member. I pay around $150/$160 a month for a land-line, cable and internet right now. So, guess what, they lost a customer. I switched to AT&T, who gave me all three for $96.00/month, saving me around $720.00 a year.

My Homeowner's and Car Insurance went down. I had to take a double take, it went down. Instead of paying $2314.68/per year ($192.89/monthly), I am now paying 2145.84/per year ($178.82/monthly), saving myself 168.84 or 14.07 a month on my expenses.

Also, Blockbuster.com annoys me. We get one movie out at a time, unlimited and then we always get a FREE e-coupon, once a month to use for a movie or game rental in store. We always used it for a game rental for my 12yo. My cost $10.59/montly. To me that is affordable entertainment, but nooooo, Blockbuster decided to take away the Free e-coupon and if I still want that option, I need to upgrade to a more expensive plan. You know, they need to keep up with the times.

Well, I told them that that was the reason why we chose Blockbuster - was for their Free e-coupon for a game rental and if giving me a free game rental meant loosing a customer, then I may have to find another movie and game provider. I mean, afterall, it is my money we are spending. They haven't responded back to me yet. We have been e-mailing, but I think I will call them tomorrow.

But, what the heck, I am tired of dealing with stupid crap.

Or Does It End, that is the question.

I got a bill in the mail from my attorney. I had to be appointed conservator over my kids money (per our state law), which should have only been a one-time thing, but every time I turn around, they are sending me stuff in the mail, that I already get from the court and then charging me for it.

I called them today to tell them not to send me anything else or charge me if they even sneeze my name. I told them that when I needed them, I would call and that I can handle what is needed to be done. I appreciate that they are doing their job, but I don't need the extra expenses. My attorney was very kind. I have known him for almost 30 years. I used to work for him, so he understood totally, but I still have a $307.00 bill that needs to be paid.

On top of that, my 12yo youngest child got a toothache. Mind you, every day I tell him to brush his teeth and say "Jamee - did you brush your teeth" over and over and over. So, today, we went to see our family dentist. Sure enough, my kid needs more major work done to his teeth. Seems he is not brushing well enough or flossing. He has such a beautiful smile. All his teeth are straight and white, but he gets a cavity and it just runs rampant. He is just not brushing and flossing well enough.

I made my dentist tell him how important it was to maintain his smile. Dr. Dan was so funny. He said "Jamee, I know you are only 12, but you need to grow up about your teeth." We all started laughing. Anyways, he did make a deal with Jameson and now we go back next week. This is going to be costly.

I have added the Attorney bill to my debt area, and will add the dental bill next week, once I see how much it is going to cost. I can't pay cash for the dentist, so it will go on my Care Credit Card and be paid back monthly. The only good thing is - if it is over a certain amount, Care Credit will not charge any interest for 12 months. That helps.

But, really, the whole things sucks.

So September is finally over and here are my totals and goals met.

All regular bills paid. Added to my savings accounts then drained them for services; and paid the amounts set for my debt.

Paid $400 to my property taxes. I still owe $576, which will get paid this month (October)

Trees came down and it cost $300, to be paid on October 3rd.

Paid for foundation for new foyer $365.

Put $344.40 on my Lowe's card for the wood materials to the new foyer. Will pay a portion of that in October.

Groceries: $349.50
Eating Out: $154.91
Gas: $200

Kids classes and son's college paid for.

Entertainment for the month of September. Labor Day Parade and Picnic, Bean Bag Tournament, three birthday parties, Annual Fundraiser Pig Roast, Scrapbooking party and Renaissance Festival, costing me around $200 for all of the above. We had fun.

September, as I have stated before, was an extremely hard month to get through. There was a lot going on and to pay for with little money, but we made it.

I am working on getting the bills paid for in October. I get paid on the 3rd and that is when everything gets paid.

I have already added to my ING account and Saving account (freedom accoount).

I will pay the trees that were cut down on Saturday in full on Wednesday the 3rd with cash of $300; and then I can take that off my debt area. I miss my trees, but my yard is beautiful. I was sitting out in a lounge chair yesterday admiring it and drawing up plans to replace the landscaping. Good thing, I have all the landscaping materials already, just need to lay stones and plant the trees, shrubs and perennials. I also have a small water garden that needs to go in. We will put fish in it next year. A lot more work left to be done, but the fun is beginning. I love working in gardens.

My doctor bill came in and they took off $1,115.50 because I am self-pay with no insurance. So it is costing me $258.50. I listed that I would pay $50.00 towards it this month, just until I see how much I have once everything is paid. I will probably get that bill paid off this month though.

I still have to pay the rest of my property taxes and that will be paid with my Ameriquest Check that I will be receiving this month.

The new foyer is coming along wonderfully and we will be headed back to Lowes to pick up the rest of the wood package to get it completely built. I am so looking forward to that. Once we put in our new door in the new addition, we will be taking out the wall between the new foyer and the house. Wow, that will look awesome.

Wow, this has been a great challenge.

So far, I have paid for all of my regular bills and debts.

A new foundation for my new foyer $386.00

My oldest child's college for this semester $365.00

My kids school classes which will be paid in three seperate checks over the next three months. This month $100.00.

Registration for Odyssey of the Mind $40.00

All of those added extras above doesn't leave me enough to pay my property taxes in full today. I am paying $400.00 on them today and the rest as I get it over the next couple of months. I have never done this. I have always paid my property taxes in full when due.

I will have to account in my budget for those extra items I forgot about (college, school classes, Odyssey of the Mind, and I think I need a house fund). I use to just use what my husband gives me as rent for my house fund, but his work has been slow, and I have not been getting very much extra cash from him. Such is Michigan's economy.

One thing I would like to add to my budget is tithing and giving more. I use to do this more often, but have found that I wasn't able to afford it, but the gratification and rewards are much greater than not doing it.

I usually re-write my budget in January, but it looks like I have to do it now, as Christmas, two of my kids birthdays are approaching and I need to add those items above and still stay on track for my Rapid Debt Reduction Plan.

Here's off to the table with a pen and paper.

I mean, I am really going to have to be creative getting through this month.

My husband's pay is sporadic, so I mostly don't get anything from him, and it has been like that for a long time.

I am on a fixed income myself and today is my last day at my summer job, so only one more check coming in from that.

I have paid all of my bills, added money to my savings and ING accounts, paid for my son's college this semester, paid for the new foyer's foundation, a full tank of gas, a week's worth of groceries and have almost all of the money for my taxes, which are due on September 14th. I will be transferring all of the money from my Savings (Freedom Account) and combining it with my check from my summer job, I wil get those taxes paid on time.

But, that literally leaves me with about $50.00 in my Checking. Now, here is relying on some of my husband's jobs to pay him, so he can pay me.

Of course, next month, I should have no extremely large bills, like taxes, and will be getting an extra $600 from the Ameriquest Settlement. I will use that money for my wood and finish package for my new foyer.

Then I have to concentrate on Christmas and two birthdays in December. Oh, the fun of financial creativity never ends.

I have paid over the last three years for my son's college. He is 22, and he now needs to either get Federal Aid (FASFA) or help figure out a way to pay for his college. I want him to appreciate what he is learning and not take the college education for granted.

So, he did. He saved a couple of his checks from work and then and deposited them so that he could pay for his classes. The only problem is - is that he depsoited the checks on the same day he tried to pay for classes. Well, of course, the checks won't clear until after midnight and sometimes two before the money can be available, so his debit card was denied.

He called me and I could here the frustration in his voice on what to do. I told him to go ahead and use my credit card to pay for the classes and we will settle up later. That way he will not loose out on the classes he wants to take and I can help reduce his stress level.

So, I have added that amount to my Debt Column under CC2 - Chase Visa. My son is worth it; and I can afford to pay my bills. Some day it will all work out in the end and it always has.

So I went to the Jeep dealership to check out what was on their used and new lots. Holy Cow, there were a lot of nice Jeeps, but the prices are astronimical. I felt like I should be living in my car and paying a mortgage.

Well, I own a 2001 Jeep Grand Cherokee with around 86,000 miles on it, in really good shape physically and mentally, but thought I would upgrade to maybe a 2006, or if I wait until September, all of the 2007s will be on sale, making way for the new 2008's to be unveiled.

But the cost hindered me. I looked at my husband and said, I think I will run mine through the car wash on the way home. He laughed and we both left.

I am not getting a new Jeep anytime soon.

So, I transferred money from my ING and Savings accounts to pay off CC1. I have deleted it from my debt area and have moved everything up.

Since January, I wrote everything down that I pay for and either called and adjusted the amount, changed providers that offered lower costs or eliminated certain things completely, saving myself over $2000 a year.

Along with putting myself on the Rapid Debt Reduction Plan. I have been able to pay my taxes (they are not included in my mortgage) and pay off one loan and two credit cards - all in 7 1/2 months. Not bad.

Hoping to have the next credit card paid off by December/January at the latest and then on to the next in line.

I have also sold or got out of anything that wasn't a good investment or we have outgrown (i.e., property, motorcycles, furniture, small business, etc.) to relieve myself from undue stress and to help pay off debt.

Feeling pretty good about becoming debt free again.

So, I have updated my totals on my savings and debt areas. After paying all my bills and what I normally pay on the debts each month, here is my plan.

I am going to transfer $1000 from my ING account and $500 from my savings account to pay off CC1 next week before the 12 month interest kicks in and it costs me about $500 more out of my pocket.

Then I am going to use two of my beach checks (I have three left before my summer job is over), babysitting money and the rest of my savings account to pay my summer taxes on Friday, September 14. Hopefully, I will not need to use all of my savings after I total up two beach checks and the babysitting money.

I have enough money in my checking account to cover groceries, gas and other expenses until September's direct deposit.

And, then the other beach check is going to take me, my 15 yo daughter and 12 yo son shopping for some school supplies and my family camping and canoeing on Labor Day weekend.

Sounds like a good plan, lets hope it works the way I planned.

Our fun during the August month. My husband's birthday party this evening at the Club, a friend's anniversary party, a couple festivals, the Woodward Dream Cruise, the Club's corn roast, cookout with family in from the southern states and a family reunion. The rest is all working, swimming and garage saleing. Sounds like fun to me. Looks like I will be doing a lot of cooking and baking. Yee Haw.